CN1698054A - Money transfer systems and methods - Google Patents

Abstract

One method involves payment of money to a recipient traveling to one or more foreign countries by entering into a remote computer money transfer information from a sender. The money transfer information comprises recipient identification information, at least one country where the money is to be received, and a payment amount in an originating currency. The money transfer information is transmitted to a host computer system. When ready to receive payment in the designated country, recipient identification information along with a request to withdraw a portion of a possible payment amount is entered into a payout computer. The recipient identification information and the request to withdraw is transmitted to a host computer system, and the requested withdrawal is provided to the recipient in the local currency.

Description

Fund transfer system and method

Cross-reference to related applications

The application be according to submitted on January 4th, 2002 the 10/040th, the part of No. 568 applications and an extendible portion of claims thereof, the 10/040th, No. 568 the application be submitted on October 26th, 1999 the 09/427th, No. 249, submit October 10 calendar year 2001 the 09/975th, No. 171 " being used to carry out the method and the system thereof of funds transaction " by name, and on January 3rd, 2002 submit the 10/037th, a continuity of these several U.S. Patent applications of No. 827 by name " using an ATM (Automatic Teller Machine) to receive the method for electron transfer fund " applies for, the complete content that is disclosed of these applications is combined in here the reference as the application.

Background technology

The present invention relates to computer implemented transfer system substantially, comprises the system and the method thereof of from the computer implemented transfer system introducing information and the information of reception.Or rather, the present invention relates to come transfer value and/or the information relevant with this value by a computer implemented transfer system.

Now there have been the various mechanism that a computer network transmits information of passing through.For example, can Email be sent to other people from a people, perhaps can fund be transferred to another account from an account by a computer network by a computer network.Yet these already present metastasis all need to shift related sender and the recipient can visit a public transfer medium.Thereby for instance, in order to transmit information by an e-mail system, sender and recipient must want to visit an email account.Similarly, for from an account transfer fund to another account, sender and recipient must have addressable account.In a lot of examples, recipient and sender can not visit this public system simultaneously, therefore can only select other method to come transmission information, for example, and Usnail.

In addition,, yet use this medium often very inconvenient, cause the sender to go to use other selectable method to come transinformation and/or value even recipient and sender can both visit a public transfer printing medium.For example, an enterprise and its supplier may have bank account can carry out the transfer of funds, yet more typically way is that enterprise can open a check and pay supplier by United States postal service.

Like this, thereby provide the path of increase to arrive computer implemented transfer system with regard to existing a demand will improve accessibility technically, and reduce the inconvenience of this transfer system.The present invention can overcome these and other deficiency of the prior art.

Summary of the invention

The invention provides the ingredient of a kind of multifarious fund transfer system, this fund transfer system and the method for electron transfer fund.Broadly, the present invention allows to receive fund with various forms, transfers to the place that other can be obtained then electronically.Multifarious system and technology can be used to visit fund transfer system, are used for shifting to fund transfer system thereby provide with funds, and pay the fund that a recipient should shift.

For example, this fund transfer system can be by entering into the transfer of funds or supplier site and payment being provided, can use telephone contact interactive voice record (IVR) or Customer Service Representative, perhaps by the internet use various equipment of communicating by letter, this equipment that can communicate by letter to comprise PC, have the mobile phone of browser, PDA(Personal Digital Assistant) or similar equipment is accessed.Be more easily, can comprise that smart card form use automated transaction institute (ACH) shifts the realization payment from bank account with cash, credit card, debit card, stored value card, perhaps use the available cash card that is used for receiving cash of sale equipment (pointof sale device) on vendor terminal or point to realize payment, or the like.The recipient can be in cash, check, with the credit side that charges to bank account or charge to credit side of stored value card or the like.Can also use how different payment technologies, as in person (for example in transfer of funds site, represent a financial institution to work and shift the entity of fund), transfer to bank account or transfer to a bank account, use ATM (automatic teller machine) (ATM), financial booth (kiosk), stored value card, automatic cheque punch by ACH by federal remittance (Fed wire), or the like.

A kind of specific process that relates to the stored value accounts use can be employed, and for example, in order to carry out internet payment, uses multiple payment technology to credit.This method is included in transfer of funds site receives fund there from the potential buyer method.Then this fund is stored in this buyer's the stored value accounts as an electronical record.Then the request that this fund can the buyer is shifted.Based on this request, fund can be sent to the recipient there by electronics and corresponding fund be charged to the debit of stored value accounts.

For example, this transfer of funds site can comprise can with the equipment of main-machine communication, thereby stored value accounts can be stored in this main frame.Then, this buyer uses and can come transfer fund with the computing machine request of sending of any kind of server communication by the internet.Like this, not wishing provides the buyer of financial information can use conventional art to set up stored value accounts by the internet, as paying in cash in transfer of funds site.These funds can be used by the internet under the situation of non-disclosre financial information then.

Be received in transfer of funds site by the permission fund, various type of payment can be used.For example, payment can be passed through forms realizations such as cash, check, credit card, debit card.

The invention provides another kind of from sender's transfer fund to the recipient, allow the recipient to receive the method for funds with various form of payment at different times simultaneously.According to this method, be received from (for example, in transfer of funds site) fund of sender information together with the recipient of this fund of reception.This fund and expection recipient's electronical record is created, and can offer the various payment options of this recipient simultaneously and receive this fund.Then, this recipient requires to use one or more payment options payments, and pays according to the payment options of this requirement.The electronical record of payment also is created.

The example of payment options be included in the supplier site extract cash, personally give recipient's cash, give recipient's draft, the credit side who charges to recipient's account, debit or stored value card or the like personally.Further, the request that receives payment can accomplished in various ways, for example by telephone request, by network by the computing machine request, by letter, by make a personal call on, by the voice responding unit request, by the personal digital assistant request, or the like.

On the one hand, described card comprises the closed loop debit card.This debit card can use in the place of this card of any acceptance.For example, this debit card can comprise blank debit card, and for example, with related cards such as Master Card (MasterCard), VISA credit card (VISA), Discover cards, when the recipient sent Payment Request, card will be initialised.As another example, this debit card can comprise stored value card, and this stored value card has added the record of the value of paying according to recipient's requirement.As another example further, this debit card can comprise the cash card of phonecard or internet.Can pack telephone time or other value into these cards as the payment of giving the recipient.

When one of distribution blocks when in payment the time, the account of this debit card and the electronical record of this fund are connected thereby can use a sale equipment on the point that this debit card is carried out initialization.As a kind of selection, receipt can be printed with the sale equipment on this aspect, and this receipt has the accounts information relevant with the electronical record of this fund.In some cases, receipt can be used to replace debit card.For example, this receipt can comprise identifier, can use this identifier when carrying out internet procurement.As another example, this receipt can comprise and has accounts information and be positioned at bar code on the debit card.

The fund that is transferred can be deposited in the various accounts.For example, (MICR) number discerned in the account number or the magnetic ink character that come from recipient's check based on demonstration, and this fund can be transferred to recipient's bank account.As another example, this fund can be deposited in online fund account, for example online transfer of funds account, online bank account, online investment account, online Auction Account or the like.As an example further, to return or return transaction by debit card being provided and using sale equipment on the point to carry out, this fund can be transferred to recipient's bank account.Still as another example, this recipient can receive from the bolter there and send key and confirmation code.These information can be transfused to the fund that suitable ATM (automatic teller machine) (ATM) or financial booth (kiosk) equipment receive this transfer.

When the sale equipment on the use point utilized account number to pay account, various device can be used.For example, accounts information can read the MICR reader of MICR line by the check from the recipient, read the magnetic stripe reader of magnetic stripe from recipient's card, allow the keypad of manual input accounts information, the biometric device that reads the pre-registration recipient that optical character identification (OCR) scanner of account or imager, identification and account bind from recipient's statement waits and obtains.

On the one hand, this recipient can be provided the statement of expense relevant with every type payment options.This method also allows split transaction expense between sender and recipient.For example, the sender can pay tranaction costs all or part, and the recipient can bear all or part of tranaction costs, and both can be by any proportional distribution.Further, the payment of tranaction costs can be determined separately by sender, recipient, perhaps agreement decision by both party.

The option of recipient in different time receiving unit fund also can be provided.Like this, the recipient needn't extract all funds in the single time.If this recipient requires to disburse funds several times, for partial payment each time will generate electronical record.And each partial payment all will be deducted tranaction costs.

Be more easily, along with payment options can send an information to this recipient.This information can be Email, letter, phone, fax, telegram, or the like.

As the detailed example of this embodiment, the invention provides system and the method thereof of transfer fund to the recipient who travels in one or more countries.This recipient can divide fund with the local currency extraction unit.Use remote computer that this fund is input to system, for example be positioned at the computing machine of transfer of funds site.Together with these payments, other information also can be transfused to, for example recipient's identifying information, one or more country that will receive this fund, payment or the like.These information can be passed to host computer system.In a reception payment of preparing specifying in the country, the recipient enters and withdraws the money a little, and the remote computer that can communicate by letter with host computer system is arranged during this withdraws the money a little.For example information such as recipient's identifying information and payment are imported into and send to this host computer system in this remote computer.If be received, can pay this recipient this amount of money with local currency.This host computer system can be calculated corresponding cost and deduct in remaining capital.Furtherly, this host computer system can be preserved the record of transaction, and this record comprises the exchange rate of using when being exchanged into local currency.

At one further among the embodiment, the invention provides a kind of by receive from sender's fund and and the recipient's of this fund of reception relevant information, the method from sender's transfer fund to the recipient.This sender also indicates this fund to be stored in the stored value card.This fund and expection recipient's electronical record is created.When preparing to receive this fund, the recipient sends request, and produces the stored value card with this value of funds.The electronical record of this payment is also by electron storage.

The present invention further provides a kind of canonical system and method for being convenient to Value Transfer.According to this method, host computer system is used to receive the request that requires transfer value from the sender.This request may be sent from the sale equipment on remote computer or the point.This host computer system is used to successively the sending computer readable documents and gives remote computer, and request is about the information of requested transfer.Perhaps, this remote computer can be configured to such an extent that point out this information and need not to visit host computer system to the sender.Thereby this is requested information and is received based on the information about shifting that receives in host computer system, determines one or more options that are used for transfer value successively.Then this host computer system can send comprise at least one option computer readable file to this remote computer.Like this, the recipient can provide the information about transfer request, and receives back a recommended method and be used for transfer value.

As a concrete example, a processing procedure can be used to the bill payment service.For example, the client can require to pay a bill and provide about their account and the information of means of payment.These means of payment can evaluatedly during a pre-authorization step be used for guaranteeing that fund can obtain.Furtherly, based on these means of payment that provide, the inventory of possible payment options can be displayed on the remote computer.For example, this client can have the option by real-time guarantee payment funding, for example cash, Credit Card Payments, debit payments, no password debit payments, automated transaction institute (ACH) payment, paying by check or the like.Further, the expense relevant with each option can be revealed to the client and see.

For recommended transfer techniques is provided, this host computer system can require a series of information about shifting.For example, this information that is required can comprise about the personal information that is worth the recipient, be worth the recipient can with the value receiving interface, be worth the recipient can with withdraw the money a little, or the like.This host computer system can be selected recommended diversion option from variety of option.These options comprise, for example, transfer to the fund process points, transfer to financial booth, transfer to the cash withdrawal machine, transfer to accounts of finance, shift, transfer to stored value card by negotiable instrument, or the like.In some cases, this host computer system can send the computer readable file of the option inventory that comprises the transfer value that is useful on.In this case, the sender can select in these options one simply.

A further embodiment of the present invention provides a kind of system and method thereof that the Value Transfer of some restriction is set in transfer.According to this method, host computer system is used to receive request and the one or more restriction that about value how not to be received person reception of transfer value to a plurality of recipients.This host computer system also can receive to the one or more requests that value is provided among the recipient.Then, this host computer system can be used to determine based on this restriction the method for transfer.

Therefore, based on these restrictions, transfer can be implemented.This situation may take place, and for example, provides how to pay the instruction that is worth according to this restriction from these host computer system sending computer readable documents.Equally, thus this host computer system can receive and store about how providing value to generate the record of method of payment to recipient's information.

This sender can use various restrictions.For example, these restrictions can require to provide part to be worth to each recipient or can require when being worth a time restriction to be set when being received.As other example, this restriction can be that of value form specifies or receive the necessary appointment on the scene of which recipient when being worth.

In one embodiment, the present invention is fit to this situation, and individual, small enterprise or similar unit have periodic or receive the repeatedly payment or the transfer of funds in the short time with effective and efficient manner in this case.This demand for convenience in one embodiment, provides a kind of network that uses to come method to goods or service payment.According to this method, be imported into fund transfer system about payee's accounts information.Furtherly, at least one restriction is set to the transfer from one or more payers to the account, and this restriction is stored in this fund transfer system.Then cash is paid out or withdraw cash and can be received at transfer point, and this cash comes from least one payer and is used to pay goods or the service that the payee provides.Record also can be sent to fund transfer system by network and show that this is paid in cash and finish.Then, according to adopting paying in cash of fund transfer system, fund can be transferred to payee's account by network.Like this, the payee can set up special, restricted relation with this fund transfer system and allows the payer to pay according to the restriction that is arranged in the system.

For example, this restriction can be some such as restrictions of the number of times of transferring to the account payee that allows, transfers to account payee's time period, transfer to account payee's the amount of money or the like at every turn.Be that this fund can use ACH transfer, check to shift or similar fashion shifts more easily.Further, thus can be sent to the payee from the record that fund transfer system is paid the payee can be provided goods or service.For example, after receiving payment record, article can be delivered to the payer from the payee.Perhaps, transaction fee can be collected together along with payment.

These and additional embodiments of the present invention will be by being described in detail in conjunction with following literal and accompanying drawing.

Description of drawings

Also with reference to detailed embodiment and claim, can have more completely the present invention and understand in conjunction with the accompanying drawings, in all here accompanying drawings, identical label is represented identical, similar or corresponding feature and function.

Figure 1A shows according to an embodiment who comprises the transfer network of input/output mechanism of the present invention;

Figure 1B shows the interface system of the network of Figure 1A;

Fig. 1 C shows the input mechanism of the network of Figure 1A;

Fig. 1 D shows ATM (automatic teller machine) (ATM) network in the network that is included in Figure 1A;

Fig. 2 shows another embodiment according to transfer network of the present invention;

Fig. 3 shows according to a kind of process flow diagram that uses stored value accounts to come the method for transfer fund of the present invention;

Fig. 4 shows according to a kind of process flow diagram that uses various type of payment and number of times to come the method for transfer fund of the present invention;

Fig. 5 shows according to a kind of process flow diagram of preparing the method for funds-transfer transaction of the present invention;

Fig. 6 shows a kind of obtaining about information that shifts and the process flow diagram that the recommended method that shifts is provided

Fig. 7 shows a kind of obtaining about being transferred information how value to use and the process flow diagram that the recommended method that shifts is provided

Fig. 8 shows a kind of process flow diagram that one or more restrictions are used for the method for Value Transfer of placing;

Fig. 9 shows according to a kind of process flow diagram that uses network as the method for goods or service payment of the present invention.

Embodiment

The invention provides various equipment and the technology that are used for transfer fund.The present invention allow fund to be received in some modes and by electron transfer to another place that can be extracted or further handle.In order to carry out funds-transfer transaction, need the interface of a fund transfer system.Therefore, various interface can be used to insert fund transfer system.For example, this fund transfer system can be by entering into a transfer of funds or supplier site, and provide payment, can use telephone contact interactive voice record (IVR) or a Customer Service Representative, perhaps use various equipment of communicating by letter and accessed by the internet, this equipment that can communicate by letter comprises PC, has the mobile phone of browser, PDA(Personal Digital Assistant) or similar equipment.These interfaces can the person of being sent out and recipient's visit.

The present invention further allows the multiple means of payment to be used to fulfil payment.For example, can comprise that a form automated transaction institute of use (ACH) of smart card shifts, and perhaps uses cash card and other similar fashion to pay from a bank account with cash, credit card, debit card, stored value card.Similar, in case fund is transferred, various payment technologies can be used.For example, the recipient can be with cash, check, charge to the credit side of bank account or charge to the credit side of stored value card, and other similar fashion are paid.Further, various payment technologies can be used to offer recipient's fund.These comprise the permission recipient, receive fund, transfer to a bank account or transfer to a bank account a transfer of funds site in person by federal remittance (Fedwire) by ACH, use ATM, financial booth (kiosk), stored value card, automatic cheque punch and other similar fashion.Selectively, these funds can divide several parts, and are received with different currency.For example, a tourist can give himself by transfer fund before leaving for tourism, and specified him will receive the country and the identifying information of fund.

According to the present invention, the various merging of said method can be implemented.For example, the method for any visit can be used together with any method of payment or reception payment that provides.Furtherly, any said method can be used together with any payment devices.In addition, thus a recipient can visit this system requires fund there from one or more senders.

With reference to Figure 1A, the embodiment according to a transfer system 100 of the present invention has been described.Transfer system 100 comprises interface system 125,145, one deposits of an automatic-teller-machine systems (ATM) maintaining network 160, a credit maintaining network 160 and a center switch 170.This interface system 125 interactively is connected to ATM system 145 through an atm network 140, deposit maintaining network 150 and credit maintaining network 160.Usually, interface system 125 is supported various the introducing and the mechanism of the information of reception from transfer system 100, thereby various transfer systems are united.

Describe in further detail below in conjunction with Figure 1B and Fig. 1 C docking port system 125, it comprises 130, one vendor terminals 110 of an interface switchboard and a user terminal 112 substantially, and they communicate via an interface network 120.Interface network 120 provides information based on the communication between vendor terminal 110 and user terminal 112 and the interface switchboard 130.In another alternate embodiments, interface network 120 provides the communication between vendor terminal 110 or user terminal 112 and the interface switchboard 130, but the communication between vendor terminal 110 and the user terminal 112 is not provided.In certain embodiments, interface network 120 comprises a VPN (VPN) that meets TCP/IP.However, it should be understood that other communication network also can be used to the function that provides similar.For example, interface network 120 can be internet, Local Area Network, a wide area network (WAN), a telephone network, mobile telephone network, a virtual individual net (VPN), a fiber optic network, a wireless network or any similar communication network.

With reference to Figure 1B, below docking port system 125 is described in detail.Interface system 125 provides the path that arrives transfer system 100, and allows to use various means of payment to receive payment.For example, the fund that shift can realize from a bank account transfer and other similar approach by an automated transaction institute (ACH) with cash call, check, stored value card, credit card, debit card, cash card.In order to adapt to these means of payment and type, various input medias 126 can be used as terminal or interface.For example, home provider terminal 110a can be used to receive cash, credit card, check, debit card, stored value card and smart card.These terminals also can be used to print a check or draft at the expenditure end, perhaps deposit cash card or stored value card in.The example of these terminals on August 9th, 2000 Randy J.Templeton and other people submit the 09/634th, the relevant U. S. application of No. 901 by name " sites of retail payment system " and on August 9th, 1999 RandyJ.Templeton and other people submit the 60/147th, describe in U.S.'s granted patent of No. 899 " comprehensive websites of sale equipment " by name, being disclosed in fully of above-mentioned patent is combined as reference here.

A financial booth terminal 110b also can be used and be described with reference to Fig. 1 C.Do like this, can find that terminal 110b can be used to realize to pay a recipient and receive fund from a sender.Terminal 110b comprises a controller 200, be used for communicating with various device, various device as a computing machine 202, PDA port 204, phone 206, card reader 208, one write card device 210, card distribution device 212, information distributor 214, a cash provides device 216 and a cheque punch 218.Terminal 110b can comprise in these equipment some or all.Computing machine 202 can comprise technical known standard computer components, for example, and display, one or more input equipment such as a keyboard, a sight device, a touch screen, loudspeaker and other similar devices that is used for voice recognition.Like this, various information about the transfer of funds can be imported into transfer system.Computing machine 202 can use communicate various comprising by the communication technologys such as an internet interface 113a, a special telephone line and interface system 120.More easily, computing machine 202 can comprise that a web browser produces webpage well known in the prior art.Therefore, user can be with computing machine 202 input type of payment, for example credit card or debit card number, stored value accounts information, credit project account (loyalty program account) information etc., and input recipient's information.These information then can be handled to finish transaction by interface switchboard 130.

PDA(Personal Digital Assistant) port 204 allows a PDA equipment to be connected to terminal 110b.Like this, a transfer can directly be carried out from sender's PDA, and this PDA can be carried out pre-programmed to various transaction related informations such as account information, recipient information etc. easily.Therefore, can conclude the business, but be to use sender's individual PDA equipment with the similarity method that uses with computing machine 202.If necessary, thus can communicate with PDA interface 112b can communicate by letter with interface network 120 for controller 200.

Phone 206 allows to prepare transaction with voice.For example, by using a telephony interface 112c, the everyway of transfer transactions can be undertaken by phone 206.For example, phone 206 can be used to converse with a Customer Service Representative and prepare a transaction.Then this sender may receive a transaction number, and when the sender served fund and is used to shift, this transaction number can be given a supplier.This supplier can use this number to visit the information of preparation, thereby quickens transaction.Perhaps, this transaction can computing machine 202 by insert number allow to visit preparation Transaction Information and, accessed.Then payment information can be acquired at financial booth 200, for example by filling in cash, check, credit, debit or a smart card or similar devices to a suitable reader.Another kind of mode is to use a customer service provider, and this Transaction Information can be transfused to by using an IVR system, and this IVR system can recorded information and it is submitted to interface network 120.

Telephony interface 112c also can be used to allow the mobile phone user to visit this transfer system.Like this, mobile phone time or other Stored Values relevant with this mobile phone can be transferred by using system 100.Further, telephony interface 112c allows fund to be extracted from this transfer system.For example, a phone can be used to propose a request, requires from a bank account, credit card, stored value accounts is medium withdraws the money.These can be withdrawn the money a locality by this bank account or the credit card tissue requirement of directly making a telephone call to and realize.This bank or credit card are organized then and can be made fund arrive the place that requires, for example a home provider terminal by contact interface switch 130.

As another example, mobile phone can use a telephony interface of sale equipment, financial booth, home provider terminal on the point etc. to visit these equipment.Then, one needs the request of fund can produce interface switchboard 130.The exchange of a kind of value or xenocurrency can be performed by interface switchboard 130 described herein, beams back the place that the request of authorizing disburses funds simultaneously.Like this, people abroad can be easy to the supplier, tallyman by the locality etc. and obtain cash, by using a mobile phone requirement payment, then receives payment with local currency.Selectively, can require a verification step, for example guarantee that by requiring to input a password (PIN) correct recipient is in this fund of reception.

Card reader 208 can be used to import various information.For example, a sender can have one to have the various cards of the Transaction Information of storage in advance, Transaction Information that this is stored in advance such as sender's name, identification number, means of payment or the like.These can be used to fill on the trading screen of financial booth 110b.Card reader 208 also can be used to read information from credit, debit, intelligence and stored value card.Like this, sender can have the snapping into of accounts information that needs by insertion and comes to offer very simply the fund that system is used to shift in the card reader 208.Furtherly, card reader 208 can be used to read information from an identification code (ID) that will receive the recipient who is transferred value or Payment Card.

Card reader 210 permission information are encoded and are stored in the various cards.For example, the information of each transaction can be stored in client's card of sender.When financial booth server will disburse funds or be worth to a recipient, card register 210 also was useful.For example, card register 210 can be used to increase in the Stored Value or smart card that is worth a recipient.

In some cases, can use card distribution device 212 to be issued to a sender or a recipient.For example, client's card can be issued to a sender there that is registered in the system.When paying to the recipient, card distribution device 212 also can be used to issuing card.For example, card distribution device 212 can be issued stored value card, smart card, cash card or the like.These cards can be used to extract the fund or the value of transfer at other financial booths or ATM.

Information distributor 214 allows to be provided for a recipient from the information that the sender sends.Information distributor 214 can be used for generation information on computing machine 202 display screens, perhaps be used for printing the information of distributing to the recipient.

Cash provides device 216 can be used to distribute cash to a recipient.Like this, a recipient can receive the cash that comes from financial booth payment, and these cashes use any technology described herein to be sent out out from a sender there.In case the recipient is correctly validated, for example, insert a client and snap into card reader 208 and can optionally input a password, the cash of these payments just can be obtained.Cash is drawn also can be obtained by the card that inserts the value with storage, and these value are stored in the interface switchboard 130.Like this, in case issued a stored value card and can be with this to snap into any financial booth for recipient, this recipient to carry out some or all of withdrawing the money.Further, when withdrawing the money, can exchange.For example, a recipient has a stored value card with mobile phone time, and can require these times to be exchanged into cash.Equally, xenocurrency also can be exchanged.This transaction is easy to be undertaken by interface switchboard 130 described herein.

A sender also can use his communication facilities to visit fund transfer system.For example, by using an internet interface 112a, transfer system 100 can be accessed by various computing machines that can access internet.Then, the information about the means of payment or type of payment can communicate by internet and transfer system.This means of payment or type of payment comprise credit card, debit card, stored value card, cash card, ACH bank transinformation or the like.As another example, a PDA interface 112b can be used to allow PDA equipment and transfer system 100 to communicate.Use PDA interface 112b, the similar means of payment and type of payment also can occur.Another example is by a telephony interface 112c.Like this, can pass through phone, relate to a Customer Service Representative, communicate through IVR system or the like.Similar with other interface, the various means of payment and type of payment can be related to this system by this interface, comprise credit card, debit card, stored value card, cash card, ACH bank transinformation or the like.

Behind interface network 120, be sent to interface switchboard 130 about the information that shifts, this switch 130 has a network processing unit 132 and comes deal with data.Then, these data are sent to a main frame 133, this main frame 133 can with a value code translator 135, database 136, settlement engine 137, the information engine that can communicate by letter with a decoding of information device 139 successively 138 communications.The information that interface switchboard 130 receives can comprise destination of information about this sender, this recipient's the type of information, payment and the amount of money, transfer fund etc.In some cases, need a value code translator 135 to carry out the xenocurrency conversion, perhaps can be transformed into another kind from a kind of value, the mileage that for example flies is transformed into dollar.All processed information can be stored in the database 36 easily.

Settlement engine 137 can be used to during transfer be convenient to and will various accounts be debted and credit.For example, if a sender requires to be used to shift from the fund of a credit card, settlement engine 137 is used to related network to charge to this card and to manage the expense that relates to transaction.These expenses can those be collected by the credit card tissue, also have the interior cost as the part of funds-transfer transaction simultaneously.When checking account, stored value accounts, client's credit (customerloyalty points) etc. being debted or credited the time, settlement engine 137 can be used with similar methods.

In some cases, the sender also can wish to send a message relevant with fund.This message can be simple congratulation, commercial affairs or a legal term or the like.Message engine 138 is used to according to being used for the output device type of the fund that receives information translation be become suitable form.For example, this output device can be a printer, and physically printmessage is to various mediums.Perhaps, this message can be presented on the display momently, and for example the sale equipment on a financial booth, ATM device, point, an Email, a webpage are first-class.This sender or recipient also can indicate this message need be translated into a kind of different language.In this case, message code translator 139 can be used to message translation is other language.This can be by simply finishing with the corresponding one by one inquiry of other language for each word.The ability of more complicated language translation also can be used.

In case transfer request is correctly handled, the suitable networks shown in it will be sent to by a converter 134.This can be to be sent to an atm network 140, deposit maintaining network 150 and/or credit maintaining network 160 to finish transaction.As described below, in some cases, whole funds transactions can be finished under these networks auxiliary not having, for example when when carrying out transfer fund between a stored value accounts and another.Selectively, this transaction also can be used centrex 170, and this this centrex 170 can comprise Federal Reserve System, and the federation of a bank is NACHA, a mobile telephone network or the like for example.

With such configuration, various payment options can be arranged.For example, this sender can require fund to be extracted from a sender's bank account.In this case, interface switchboard 130 and deposit maintaining network communicate and realize withdrawing the money.This transaction also can comprise centrex 170.In case fund is extracted, they can the person of being sent out use various technology to fetch again.For example, the payment of this fund can justice site, financial booth, sale equipment, the ATM on point by being delivered to a supplier, use a stored value accounts by the internet, shift the account that arrives the recipient through federal remittance or ACH, undertaken by a stored value card or smart card, cash card etc.

As a special example, a sender can require fund to be acquired at an ATM or bank.In this case, can use deposit maintaining network 150 this fund to be deposited in a recipient's bank account.The example that is used for transfer fund to recipient's bank account of this system is in the 09/516th of submission on February 29th, 2000, be described in No. 209 relevant U.S. Patent applications, the announcement that this application is complete is combined in the reference that is used as this patent here here.Yet, also have other system to be used.Centrex uses the Federal Reserve System remittance to bank account, shifts or the like by ACH, can conclude the business easily.Like this, any technology of withdrawing the money of using an ATM, access bank or using bank to provide, fund can be fetched again.For example, can pay with the check of cash, printing, the modes such as credit side that are logged into smart card or stored value card.These can be by offering ATM or other payment devices, and for example a suitable equipment such as retail kiosk carries out such payment.As another example, interface switchboard 130 can be safeguarded a stored value accounts for the recipient.Then, use any technology described herein, fund can be extracted from ATM114, in case and atm network 140 and settlement engine 137 communicate, the account will be credited to the debit.Equally,, use various other technologies in case a stored value accounts is established, for example deposit a recipient account, be logged into the credit side or the like of recipient's credit card, fund just can be extracted so.

If in this transaction, relate to a credit card, so no matter receive for sending still, all may visit credit maintaining network 160.For example, if this sender uses a credit card, interface switchboard 130 comes the approval fund via settlement engine 137 visit credit maintaining networks 160 so, and sends a request to this credit card charge.In case this fund can be acquired, they can use various technology, as site by payment fund to a supplier, at a financial booth, sale equipment on a point, at an ATM, the internet uses a stored value accounts, by a stored value card or smart card, cash card etc. and the description similar methods here.

Cheque punch 218 can be used to print a check and give the recipient.Like this, payment can be carried out with the check form.Although do not show that an imager can be used to scan check can be transfused to the fund that must be transferred with the form of check.Printer 218 also can be utilized for a specific transaction and print receipt.

Shown in Fig. 1 C, financial kiosk controller 200 can be configured to such an extent that be used for directly communicating by letter with atm network 140.Like this, this finance booth can also be as the function of an ATM except carrying out as described herein the transfer of funds function.

Can be will be appreciated that the some or all of building block of financial booth 110b can merge with other equipment that is used to access system 100.For example, these parts can be used in the sale equipment on a vendor terminal, the point, an ATM or the like.Further, financial booth 110b can be configured to such an extent that be used for and a home provider terminal 110a communication of communicating by letter with interface network 120 shown in Fig. 1 C.

With reference to Fig. 1 D ATM system 145 is described in detail.ATM114 and 116 comprises a controller 114a and 116a separately, they with cash device 114b and 116b, ATM access modules 114c and 16c, card reader 114d and 116d be provided, write card device 114e and 116e, card distribution device 114f and 116f, message distributor 114g and 116g couple together.Cash provides device 114 to be used to distribute cash to the recipient based on former transfer.Access modules 114c uses various parts, as a touch screen, a keyboard, a sound recognition system etc., visits ATM.Like this, various information about transfer request or extraction can be transfused to controller 114a.Write card device 114c and card reader 114e and allow various information to be written in the various cards, and can use similar foregoing method from various cards, to read information about financial booth 110b.Card distribution device 114f allows to issue various cards with similar foregoing method about financial booth 110b.Message distributor 114 allows to send various message to the user with similar foregoing method about financial booth 110b.

Each ATM can communicate by atm network 140 mutually.ATM system 145 comprises a main frame 141, is convenient to handle and store the data that shift between each ATM thereby this main frame 141 and database 142 connect.With this configuration, by being connected to interface switchboard 130, the transfer of funds can be carried out between ATM at an easy rate.For example, use access modules 114c and optionally use the card reader 114c can be being input to ATM114 about the information that shifts.This is asked clearly from atm network 140 and is sent to interface switchboard 130, and this interface switchboard 130 is handled this transaction with similar foregoing method.Then, this recipient can come the extraction fund at any other ATM by access modules 114 these ATM of visit very simply.The fund of this transfer then can provide device 114b to be assigned with from cash.

This ATMs also can be used as a withdraw the money equipment relevant with other transfer techniques as described herein.For example, can use any input equipment 126 that the fund that will shift is provided.Also can produce a request requires fund to arrive an ATM.Then, this fund can be retrieved from this ATM, the debit who passes through to charge to the account that is stored in interface switchboard 130 as previously described or by fund being deposited in a recipient's bank account.

Other embodiments that should be appreciated that transfer system 100 also are possible.For example, other embodiment of a transfer system 101 as shown in Figure 2.In this embodiment, transfer system 101 comprises vendor terminal 110, user terminal 112, financial booth terminal 110b and the ATM114,116 that communicates via interface network 120.The function of exchange of interface switchboard 130 is as described in the Figure 1B of front.Each financial booth terminal 11b and ATM114,116 can communicate by atm network 140 and centrex 170.Like this, the foregoing transfer that relates to centrex 170 can be done under the situation that does not have direct interface between interface switchboard 130 and atm network 140 or other networks.Be more preferably, can finish this transfer by the dual communication function finance booth that is provided on financial booth terminal 110b and/or the ATM terminal 114,116.

Set forth the method for using above-mentioned transfer system to come transfer fund referring now to Fig. 3.This method has special purposes, can create a stored value accounts, and the account is used for giving under sender or recipient's the situation and carrying out internet or other E-Payment not disclosing any accounts information.Shown in step 200, a user provides with funds to a supplier of fund transfer system.This payment can be carried out with any form of this supplier's acceptable, and this supplier will be to information privacy.Payment information can be imported into home provider terminal (referring to Figure 1B).Shown in step 210, this payment is logged to the credit side of a stored value accounts.(referring to Figure 1B) can take place in these in interface switchboard 130.By by the stored value accounts of sender's designated user these funds being put into stored value accounts, perhaps this user can also ask fund is put into this user's stored value accounts by connecting interface switch 130.Then, shown in step 220, this user can carry out the purchase of an expectation.As an example, this purchase can be undertaken by the internet.When requiring to pay, this user can use the stored value accounts that visits oneself as internet interface 112a (referring to Figure 1B).Allow that stored value accounts is used to pay one easily method be that a webpage that is linked to this stored value accounts of management is provided on a seller's webpage.Then, can be provided for the debit who shown in step 230, charges to stored value accounts like that about the information of this transaction, and shown in step 240 like that to charging to seller's credit side.Use the settlement engine 137 (referring to Figure 1B) of interface switchboard 130, this transaction can be performed.Use aforementioned techniques, available various types of seller's accounts are credited, comprise a checking account, a credit card or a stored value card account.

An advantage of this method is can be maintained secrecy about all information of the buyer and the seller.For example, buyer's transfer fund that can disburse funds is given that system of the seller, if the buyer selects, the seller can not know any information of the buyer.Under similar situation, also can maintain secrecy to the buyer about any data of the seller.

In another kind of situation, fund can be undertaken by the system of paying according to recipient's request.For example, fund can be by payment to obtain a stored value card or to be used for payment services, for example prepayment telephone service.In this case, the user can be by the amount of funds of instant input payment.For example, this information is for the prepaid telephone time, may need need $50.This information is provided to system there from this recipient.This sender also can be provided the amount of money that option changes needs payment, and the information that increases.

Fig. 4 shows that a kind of recipient can select the method for using different type of payment and different number of times to come transfer fund.This process is imported into fund transfer system in step 250 with the fund that is transferred from step 250.More easily, the sender can select to be accompanied by fund and send an information.This information can use decoding of information device 139 (referring to Fig. 1) to be received with the language that any sender or recipient require.In some cases, information can be separated from the transfer of funds.For example, fund can be by electron transfer to a recipient's bank account, and the computing machine that while information is sent to a printer or recipient is used for notifying the fund that shifts that receives.This is of great use, for example, and when carrying out the payment of bill in batch.Recipient's bank account can be carried out and be sent to payment in batch, and an independent receipt is sent to the recipient there simultaneously, provides the detailed bill of each payment.

When preparing the reception fund, this recipient uses any technology described herein to visit this fund transfer system.Shown in step 260, this recipient is provided the option of various payments.For example, this can be with cash, check, draft, stored value card, deposit a checking account, credit side or the like the form of fund being charged to credit card with a credit card pays.Further, this recipient can ask use value code translator (referring to Figure 1B) to be paid with any currency or other forms of value.For example, if this recipient lives in Mexico, he may be required in peso withdrawing the money, and also can require information to send with Spanish.Shown in step 270, this recipient selects type of payment, and then shown in step 280, this recipient is provided and receives all or through the selection of receiving unit payment several times.If the selection absolute payment, this processing procedure proceeds to step 310, pays fully according to the type of payment of request in step 310.Selectively, shown in step 320, can collect some expenses according to type of payment.If the selection partial payment, this processing procedure proceeds to step 290, and the type of payment according to request in step 290 carries out partial payment, and charges to the debit of stored value accounts.Shown in step 300, can select to deduct some expenses.At any time, this recipient can visit fund transfer system once more and receive the remaining fund that is transferred.

A specific use of the partial payment that combines with currency conversion allows an international traveler to receive fund in one or more countries one or more times with local currency exactly.For example, a U.S. resident may determine several countries of travelling during a travel for commercial purpose, and may obtain local currency in each country.Do like this, this tourist may not want and once receives or change too many local currency.This demand for convenience, the present invention allow the tourist before setting out (perhaps) transmission fund to themselves (perhaps other tourists).These funds can be taken out with the money-form of their destination.Such process has made things convenient for the transfer of tourist's fund, be used for they during travel with local currency limited or increase easily and withdraw the money.

Be easily, this client can finish these by carrying out a funds-transfer transaction, then after arriving the destination, receives all or the fund of the initial transfer of part only.Expense can be determined and uses which kind of currency to determine when withdrawing the money according to the amount of money of withdrawing the money.Like this, based on identical funds-transfer transaction, this fund can receive with multiple money-form in a plurality of countries.Similarly, the demand that carry buckets of cash or traveller's check can be greatly diminished or eliminate.

This cash is drawn and can for example be performed in a West Union (Western Union) site easily a transfer of funds site.This process allows a tourist to extract fund with a known transaction exchange rate with local currency, and is in any one transfer of funds site.

Use any any fund transfer system described herein can carry out this process.For example, shown in Figure 1B, use any input equipment 126 can import this fund transfer request and Payment Request.As an example, home provider terminal 110a can be used to receive payment information and about the information of the recipient and the country that has a mind.These information can be sent to a main frame 133 and be used for storage.

When preparing to withdraw the money, other local agent terminals 110a abroad can be accessed.Perhaps, any access means comprises that network 140,150 or 160 can be used.This request is received on main frame 133, and these main frame 133 use value code translators 135 are determined the exchange rate and calculated some expenses.These information are sent out back terminal 110a and are used for the permission payment.Main frame 133 also can keep a record of this transaction and residue capital, and this residue capital is stored in database 136.If necessary, thus main frame 133 can be with comparing and confirm correct recipient on identification code and the record.

The fee structure that the client is imposed can be by according to being put into this system when fund, and the expense of a minimum is paid the method that is used for offsetting cost and calculated.This tourist can withdraw the money a little how much be required to pay an expense definite or predetermined dollar value according to the fund that receives at each.For example, the expense of Qu Kuan $1000 may Shi $20.If this tourist's decision Qu Kuan $100, this expense should be 100/1000x20 so,, $2.Withdraw the money at every turn, will from retrievable total capital, deduct the amount of money that payment adds this expense.

Therefore, for the placement fund enters this system, any interface described herein can be used.As a special example, a client can arrive this system by entering into a transfer of funds site placement fund, and the adequate information about shifting is provided.By filling out a form and providing this form to the Customer Service Representative in the transfer site, perhaps by client's input information to a computing machine, this just can be realized easily.These information can comprise country that client identification information, sender's identifying information (if the sender is different from the client), this fund will be acquired, payment information or the like.This client also can provide the identification code of some types, is used for using when pay point extracts fund.This identification number also can be transfused to system.The information of using any technology described herein to import sends to a host computer system.

This main frame can be set up with any similar methods described herein.This host computer system can be stored tourist's funds transaction with a formation, and this formation is independent of the transaction of other type, for example regular funds-transfer transaction.Further, this tourist's funds transaction may have one independently product cipher link to each other with them.On the one hand, this host computer system can be stored some fields in this transaction record, can comprise field, for example [country], [country], [country], [country], [country], [identification number] or the like.

This host computer system also can be configured to such an extent that be used for allowing transaction " separation ".This permission is carried out partial payment in retrievable total capital.In addition, this host computer system can be configured from total capital the deduction partial payment amount of money add required expense.Further, this host computer system can periodically receive the exchange rate that is used for each country that has a mind.These exchange rate can be stored in this host computer system, and it can be used when payment need be carried out a currency conversion.In some cases, this information can be passed to this payment computing machine, carries out currency conversion at this payment computing machine and calculates.

When disbursing funds this system, various communication facilitiess can be used.For example, can send information to this host computer system, show the equipment of this information simultaneously about sale equipment on can using a little of the information of transaction, PC, financial booth etc.As previously mentioned, various types of information that can be transfused to comprise receivable country, an identification number, a payment or the like.

The computing machine of a similar type can be used to the take over party of this transaction.This payment computing machine can be programmed to a payment mode is arranged, and this pattern allows this tourist to import the required information of withdrawing the money.For example, this computing machine of withdrawing the money can be configured prompting this customer service agent table look-up this recipient's proof of identification.Then, compare with this proof of identification with from the proof of identification that main frame sends to this payment computing machine.For safer, this recipient can be required to import their proof of identification, this proof of identification then with host record in proof of identification compare.

More easily, this host computer system can send to the residue principal amount that can be used for withdrawing the money this computing machine of withdrawing the money.Based on the selection of payment, this information is sent out back main frame and is used for calculating some expenses and carries out currency conversion (although some of these tasks will be performed) in the payment computing machine.Then, this recipient can pay the corresponding amount of money by this Customer Service Representative, and this Customer Service Representative can import payment information to the payment computing machine.Then, this residue capital is by deduction the withdraw the money amount of money and some expenses.More easily, these information also can be displayed on the display screen, receipt is first-class sees to the recipient.Selectively, this payment computing machine can be used to produce a receipt, and this receipt comprises remaining sum in payment and the account.

Another feature is to offer the information that the tourist can obtain in which place of each appointment country about this fund.When input 1 fund to system the time, this information is provided for them on a receipt.For example, can provide telephone number (free phone) of each travelling country, so this tourist can there be one to write to each other and instruct them where can obtain their fund.Perhaps, withdraw the money and a little can be downloaded to a PDA or other have the equipment of electrical form.

As a special case, the designated country that tourist can at first travel receives the fund of input system.Selectively, this tourist can make a phone call to determine nearest where withdrawing the money a little.Then, this tourist goes to one of them place, and Customer Service Representative's proof of identification information that can provide based on the tourist as tourist's name, is inquired about this transaction there.Then this tourist can be required to provide their proof of identification to be used for confirming to Customer Service Representative or host computer system.This tourist notifies this to represent him to wish to receive how much amount of money, and then this amount of money has been paid this tourist.

This recipient that requires provide the another kind of proof of identification to select, this recipient also can be provided PIN (PIN) and be used for input when withdrawing the money.This allows this tourist even extraction fund under the situation of the proof of identification of losing them.Select as another, just in case tourist's proof of identification loss or stolen and when getting in touch a Customer Service Representative, this PIN can be used as identification.Select further as one, this client can be provided a telephone number, webpage etc. and is used for affirmation and withdraws the money a little setting out before.

In some cases, this client may wish to extract once more capital.This can, for example, authorize the debit who charges to their checking account by allowing this tourist.This information can be provided when initial transaction, perhaps provides in the time of a postorder.When preparing transfer fund, this user can visit the VRU system of " based on PIN ", and this system allows client authorization to be placed into their account of host computer system from the transaction that their checking account debts.

Fig. 5 shows a kind of method of funds-transfer transaction information to transfer system of preparing before physical location shows payment, this method can reduce exchange hour or just auxiliary transaction.For example, a client can visit this fund transfer system by internet or a Customer Service Representative.In some cases, this sender does not have qualification to carry out Credit Card Payments or may just have any problem and finish this transaction.In this case, shown in step 330, this process is undertaken by getting in touch this transfer system.Then, shown in step 340, prepare the needed information of transaction and be provided, and follow shown in step 350, store in this information to one database, for example in interface switchboard 130 (referring to Figure 1B).Selectively, this sender can be given a transaction number or other identifiers, and then as the directed supplier site of step 370.This sender provides this information to the supplier who this information is input to system, for example by using this home provider terminal 110a (referring to Figure 1B).This causes relative recording in the database accessed and be sent to this vendor terminal be used for filling automatically field on screen.All senders are required appropriate this supplier that pays that provides that does then.Shown in step 380, then use this fund of any technology described herein to be transferred.

Further, need will be appreciated that and to use transfer system described herein to carry out various transfer methods.For example, in order to quicken a funds-transfer transaction, can offer the sender and have the client's card that is stored in the ready message in the card.These information can comprise, for example, and sender's name, account number, contact details or the like.Then, this card can use vendor terminal 110a (referring to Figure 1B) to be read with filling and be presented at field on the display.This sender can provide payment then and recipient's information is provided.

In some cases, this recipient may wish to extract the fund that is transferred from an ATM.Yet in order to visit the ATM of existence, a user must show the card of some types.Similarly, after a transaction was sent out, this transfer system can send to an ATM acceptable of recipient card by various types of mailing methods.Independent mail can be non-imposed the recipient that is sent to be used to provide PIN (PIN).This card can comprise that the ATM readable information allows to visit ATM, thereby this fund can be extracted.This card also can be used as cash card or other types stored value card, thereby this fund can be extracted based on the information that provides in the card, rather than by this fund transfer system of visit.Select as another kind, this ATM can dispose by the visit of the card of these kinds, for example driving license, ATM credit card or the like.In case accessed, home screen can be shown and allow to have access to interface switchboard 130 (referring to Figure 1B) and finish the aforesaid transfer of funds.

This transfer system also may be found the purposes under the situation that the individual has no credit or debit card is used for doing shopping the internet.In this case, the client can go to a supplier site to use home provider terminal 110a (referring to Figure 1B) to buy a cash card (this also can be physics or virtual card, for example an authentication code).This cash card is used for writing down the fund that this client pays system and can be transferred by fund transfer system as an indicator.Therefore, carry out the shopping of internet after, this client can provide seller information from cash card.Then the seller provides this information to this fund transfer system, this information of this systems inspection and then use various any technology described herein to come transfer fund to give the seller.

In some cases, when using credit card to shift, clearing expense can be used.For fear of this expense, can use check, debit card, ACH to transfer to bank account and wait and carry out a transfer of funds.In this case, can or use other technology described here to pay by the internet a supplier site.Then, before fund can be obtained, this fund transfer system will wait for that this fund pays.In case obtain, this recipient can receive this fund from fund transfer system in cash, for example extracts this fund a supplier site.

As another example, the person of sending of a goods can use this transfer system to reduce between daily delivery period or eliminate the amount of cash that receives and carry.At present, when delivering goods, this deliverer is provided payment in each goods delivery sites.Then, the payment of accumulation is deposited in when one day finishes.Yet this deliverer may face the danger of being plundered or mislaying during daily action.According to the present invention, this transfer system can be used a sale equipment on the point, and for example home provider terminal (referring to Figure 1B) can be charged among the credit side of the stored value card that is carried by the deliverer.In this method, to send when being used at every turn, this card is shown to the buyer, and this buyer uses the terminal account that credits to upgrade this card.This transfer system also can be charged to the debit of this buyer's stored value card, perhaps can require the payment that can import this terminal of some other types.When being requested, for example when one day finishes, this deliverer can be updated to this transfer system to the terminal that stored value card is taken him to funds on account.Certainly, can use any technology described herein to pay, comprise the credit side that charges to bank or credit card, pay in cash or the like from an ATM.By using this card, this deliverer does not need all day and carries a large amount of cashes.

This transfer system also can be used to make things convenient between commercial affairs and the commercial affairs conclude the business.For example, a trade company can use the software of known technology to preserve the computer recording of their payable account.Periodically repeatedly payment can be carried out to this fund transfer system by simple loading bill payment information, the for example connection by using to arrive this home provider terminal 110a or pass through internet interface 112a (referring to Figure 1B) connects the request of same requirement payment.Can use any technology described herein, comprise, carry out these payments with cash, credit card, debit card, stored value accounts etc.Use message engine 138 (referring to Figure 1B), a piece of news can be sent to each recipient, gives the recipient information about account.Each recipient also can be given the option that some described type of payment are paid.Be easily, this trade company may be stored in this recipient's simple scenario in this transfer system, thereby can pay automatically when producing request each according to these situations.

Therefore, payment system of the present invention be set to provide various be used to show from a transfer of funds receive the technology of fund of transaction to the user.For example, these ATMs that are included in customization go up and use the closed loop debit card, if extract cash or in a predetermined network, carry out the special line shopping.For example, debit card can be loaded into fund and do shopping in the network of a specific retailer or retailer federation.Further, a kind of blank debit card can be used, for example those cards of providing such as Master Card, Visa Card, Discover.In this case, fund can be provided for transfer of funds site and be used for setting up account.Then, can card of initialization, and and PIN (PIN) or other authentication codes offer the recipient together.Other cards that can be used to receive fund comprise, stored value card, prepaid phone card, pre-payment internet cash card, or the like.

When fund by with one block Payment Card relatively, this recipient's card can be provided for any terminal of communicating by letter with interface switchboard 130 described herein, for example sale equipment on (POS).The number that this terminal reads card should block and carried out related with this transfer fund.For example, recipient can import identity information such as their name to one a POS equipment visits the fund record that will be paid.Then, thus this card can be read the number of this card and allow the account number of card and this fund are linked together by swiping the card in POS equipment.Then, use any technology described herein fund to be charged to the credit side of the account.In some cases, this sender can indicate this fund and paid with the form of stored value card.This sender also can point out the form that storage is worth in the card, for example, and fund, telephone time or the like.

As another selection, this card number can then be emitted a receipt that comprises number of the account and give the recipient by host computer system such as interface switchboard 130 dynamic assignment.For example, terminal such as POS terminal may print out a piece of paper receipt or one and be positioned at that card is gone up or the label of other medium, and they have comprised accounts information.Utilize any technology described herein, can use interface switchboard 130 to be exchanged from the value of this number of the account.

Payment system of the present invention also can be used to use magnetic ink character identification (MICR) sign indicating number on recipient's check to come fund for payment to arrive this recipient's bank account.For example, this recipient can use any interface described herein, comprises the POS equipment with reader, and this MICR sign indicating number is submitted in the interface switchboard 130.In this method, to POS equipment, check reads this MICR line thereby then brush by POS equipment by the input identity information, and this recipient is with regard to the reception fund.In case the account, information was read, this information just is transferred to interface switchboard 130, can use technology described herein fund to be deposited in recipient's account there.Similar technology also can be used to use recipient's debit card to shift the bank account of fund to the recipient.For example, thus this recipient's debit card can be brushed at a POS terminal and set up one and return or return transaction, recipient's account is credited a fund that is transferred in this transaction.Interface switchboard 130 can be carried out this transaction with aforementioned similar method by deposit maintaining network 150.

As another example, fund for payment can be transferred to online investment account and online bank account automatically.This account can be used any technology described here, is safeguarded by service on investment or bank that can access interface switch 130.Fund can be transferred to this account with the whole bag of tricks.For example, the sender can specify recipient's account, makes when the information about payment arrives interface switchboard 130, and converter 134 (referring to Figure 1B) will send to fund about the information of payment may be existed service on investment and the bank that specifies number of the account.Perhaps, the recipient can which fund of database 136 record will be from any source or specific source receive, be transferred to online account automatically.As another example, the record that fund shifts may be safeguarded notified up to the recipient in interface switchboard 130, specifies fund will be placed on online account.The actual transfer of fund can use any technology described here to realize, shifts as ACH.

Fund can be transferred in the account of an on-line purchase service with similar methods.In this way, thus the fund that is transferred can be used an online auction or shopping website to do shopping by a user capture.

Fund can use returns or returns the bank account that transaction is transferred to the individual.For example, a site with POS equipment, the user can provide his debit card and Zhi Zhifu.This card is read by POS equipment, simultaneously returns or returns transaction and be performed the credit side who charges to the bank account relevant with this debit card for one.Like this, this fund can be charged to the credit side of user's bank account automatically.

Another technology that is used to pay fund is to allow the sender produce one in payment send key.This transmission key can utilize some technology described herein to be sent to interface switchboard 130.Perhaps, this transmission key can be produced automatically by interface switchboard 130.Then this sender utilizes some technology, as passing through phone, Email, conventional mail, fax, waiting in person, should send key and offer the recipient.Selectively, this transmission key can be stored in the medium that will be sent to the recipient of some types, for example a card.Interface switchboard 130 also produces one and confirms password.Utilize any technology described herein can the person of being received to visit by connecting interface switch 130 these affirmation passwords.The recipient can visit and the ATM of interface switchboard 130 combinations, financial booth etc. with the affirmation password with sending key, and pays in cash at this ATM or the reception of financial booth.For example, this recipient ATM114 that can visit atm network receives payment.More easily, card can be inserted into and obtain this atm feature of visit among the ATM or offer ATM to send key.Selectively, the payment of carrying out at ATM or financial booth can be any form described herein, comprises the credit side that will charge to stored value card, charges to credit side of bank account or the like.

When receiving payment, various technology and equipments can be used to the convenient information input relevant with payment.For example, thus the MICR reader can be used to read the MICR line from recipient's check allow the bank account of interface switchboard 130 transfer funds to the recipient.Card reader can be used to read magnetic stripe from the card that comprises recipient's accounts information.Thereby this information can be sent to the credit side that interface switchboard 130 allows to charge to the account.Keypad or keyboard also can be used to allow the input accounts information.For example, a keyboard can be used to import recipient's accounts information to a website or the online or internet account that other online screen will be used to receive this fund.Another selection is to use optical character identification (OCR) scanner or other readers to allow OCR or other accounts informations, and for example bar code is read into this system.For example, a recipient may wish to use the fund of this transfer to be used to pay a unpaid bill, for example loan payment, phone or public utilities bill.In this case, the account information can be from this bill or invoice, and be sent to interface switchboard 130, this switch can use any technology described herein to shift the possessor of fund to outstanding account.Further, various biometry equipment can be used to discern the client of existence and account binding.The example of biometry can be to read to comprise face recognition, fingerprint collecting, retina or iris scan or the like.These information can be sent to interface switchboard 130, and it can comprise that an engine is determined the recipient and carry out the account that this recipient is determined in a search in database.Then, this fund can be transferred to the account.

Another feature of the present invention is can receive about which kind of for sender or recipient to be worth in system and can be used to the information that sends or receive.Therefore, when being connected with this system, the user can import identity information when using any interface (for example interface 110,112, financial booth, ATM, IVR system, computing machine, PDA etc.), receives the summary of which kind of value in system then.For example, the sender can visit this system and receive about previous transfer, ongoing transfer, do not shifted the information of being claimed value, being stored in the value of stored value accounts.Other information that can also provide comprise the information that why is transfused to about being worth, for example are used for the transfer of funds, are used for stored value accounts, are used for bill payment, or the like.As another example, can be provided when value is imported in this system about the state of input or the information of the form of payment, for example by forms such as cash, credit card, draft, checks.In the time that fund is transfused to also can be included in.

A side who receives, the recipient can receive information, for example, in system remaining transfer value, migrate out the aggregate value of system, or the like.Other information that can provide comprise, the source of fund, time of transfer or the like.

In case login system, no matter the sender still is the recipient can receive the relevant information that how to shift or to extract about being worth from system.This information can be provided with the summary form of whole inventories with option, perhaps can be to produce one or more recommendations according to the input information from sender or recipient.An example that how this information is offered the sender shown in Figure 6.

In Fig. 6, shown in step 400, utilize all device senders described herein to visit this host computer system, and request transfer fund or value.Selectively, shown in step 410, this host computer system can be listed the possible option of the transfer fund that is useful on.This inventory can comprise the option of any Value Transfer described herein, for example pays or the like by payment against bill of exchange, the recipient's that transfers accounts account, usefulness card.Selectively, shown in step 420, this sender can select in the shown option, and proceeds according to selected option.

Perhaps, this sender can be prompted about the various information that shifts so that host computer system can be recommended one or more options.Shown in step 430, these can include, but are not limited to, and require the kinds of information about the fund recipient.Be easily, a frame that is used to key in this information can be provided, and perhaps Yu Ding type can be selected from a drop-down menu.For instance, the sender can select type, for example kinsfolk, colleague, charity organization, retailer or the like.Shown in step 440, this sender also can be required to import about shifting the information of the amount of money.This information can be selected to be keyed in, and perhaps selects from a pull-down menu.Shown in step 450, this sender also can be by the information of inquiry about available extraction site.For instance, this sender can select for example specific postcode, city, country etc. from the catalogue of extracting the site.Further, shown in step 460, this sender also can by the inquiry recipient can use the information of interface type.This class interface can comprise, for example, and transfer of funds site, personal computer, ATM, financial booth, bank or credit card alliance etc.Selectively, the information of the other types relevant with Value Transfer also can be required.For example, shown in step 470, the sender can be selectively by the application target of inquiry about fund.

Shown in step 480, the information of using the sender to provide is used for transfer fund thereby this information of host computer system processes produces one or more recommendations.Host computer system can logic and enquiry form so that input decides option according to standard.As described in step 490, then these can be shown to the sender.For example, if the recipient does not have personal computer, recommended option can be to extract cash, for example a transfer of funds site in actual place.Perhaps, option can be put into the recipient can be from the stored value accounts finance booth of the financial booth visit of ATM or.If the recipient is positioned at the suburb, this option can be mailing or send a draft in person.As an example further, be to be used for a specific shop if the expection of fund is used, recommended option can be the stored value card with this shop acceptance.More expediently, option can be displayed to sender or oral account reception and registration with textual form.For instance, recommended option can be stated like this: we recommend in propria persona to extract cash a transfer of funds site, and this site is positioned at No. 123, grace street, bosom, Los Angeles, California.

When transfer value is when being used to pay amount due, bill payment for example, such process also can be used.For example, the sale equipment on remote computer, point, PDA, mobile phone etc., the client can import the request of Pay Bill.This client (perhaps Customer Service Representative) can be required to import the information that bill payment needs of handling, for example this client's account, the amount of money that will pay, type of means of payment or the like.Then, these information can be sent to host computer system with the similar fashion of other embodiment of having discussed.Thereby an account that combines with the means of payment can evaluatedly guarantee have enough funds to can be used for Pay Bill.For example, this host computer system can wait and carry out a pre-authorization step by assessment savings account, credit card, stored value accounts.

In addition, the possible payment options inventory of the means of payment that use can be wanted of this host computer system sends to remote computer (perhaps this type of information can be stored on the remote computer).In some cases, use the payment options of the other types means of payment also can be proposed.This type of payment options can comprise, for example, by extracting the real-time ensuring disbursement from fund of cash for drawer's third party site at the fund of guaranteeing payment, (with or without PIN (PIN)) debts on ATM, shift paying by check or the like with ACH.The inventory of the expense separately of these options also can be provided for the client.

In case the client agreed an option and one type the payment that has been authorized to is provided, the processing of can paying at an easy rate of this host computer system.This can realize by producing a request of charging to the debit of payment account, so that fund may be transferred to the drawer.Various intermediate account can be used to store and pass on the fund that needs.Suitable expense also may be deducted.Further, the client can be provided a receipt, the affirmation that form of payment, the expense of collecting and the payment of show using above finished.

A side who receives, similarly process can be used to provide the recommendations that receives fund.For example, shown in the step 500 of Fig. 7, the recipient can visit the fund that host computer system asks to pay transfer.The recipient can be provided might payment options inventory, perhaps may be prompted input information, this information will be used to produce the payment options of one or more recommendations.For example, shown in step 510, this recipient can be required to provide the information that expection is used about fund.Shown in step 520, this recipient also can be required to provide the information of the Account Type that can use about the recipient.This type of account can comprise some accounts described herein, for example bank account, credit accounts, investment in capital account, stored value accounts or the like.Shown in step 530, the recipient also can be required to provide about shifting the information of the amount of money.Other problems about payment also can be required.Shown in step 540, thereby this host computer system produces one or more recommendations that are used to the fund that receives with these information inputs.This host computer system can comprise based on these imports logic and the enquiry form that mates recommendations.Then, these are shown or give an oral account and convey to the recipient.For example, pay down to a friend if the recipient makes without any account and expectation, recommended option may be to pay in cash a transfer of funds site.As another example, this recipient has checking account and wishes with the payment services of check form.In this type of situation, the option of recommendation can be to shift the checking account of fund to the recipient.

An alternative embodiment of the invention relates to may the restriction relevant with the payment of fund.These restrictions can be the restrictions to type of payment, and it can produce when withdrawing the money, and perhaps when paying a plurality of recipient, the how restriction of fund for payment can be set.For example, sender's fund of can specifying must be paid debit card, stored value card, phonecard, gas cards, or the like.Further, this sender can be provided with about can extract the restriction of the fund that how much is transferred as time passes from system, and for example, recipient's jede Woche can be got Bu Chaoguo $50, all is removed up to fund.For a plurality of recipients, the sender can be provided with restriction, and for example the amount of money that can withdraw the money of each recipient perhaps may be required in when withdrawing the money, some or all the recipient must be on the scene.Perhaps, any recipient can extract the fund of any amount of money at any time.

With reference to Fig. 8, the embodiment that these restrictions are set will be described.Shown in step 550, the sender uses any technology described herein value of import initially in system.Then, shown in step 560, this sender can be prompted whether the sender wishes that the transmission fund is to a plurality of recipients.If desired, process proceeds to step 570, and this sender specifies a plurality of recipients that can extract cash from system.Shown in step 580, this sender can be inquired also whether the sender wishes to be provided with restriction in withdrawing the money.If process proceeds to step 590, the sender imports any desired restriction.These restrictions can very conveniently be selected from the menu that is shown to the sender, or use the IVR system to give an oral account selection.Shown in step 600, these restrictions are stored by this host computer system, and finish to step 610 process.When the recipient of an expection visits this system and extracts fund, withdraw the money and to be limited based on the restrictive clause that the sender is provided with.For example, this sender may be required in fund before being extracted all recipient all on the scene.Extract fund if having only one of them recipient to attempt to shift the site from fund, the office worker will receive the information that all recipients must be on the scene and can refuse to pay fund.As another example, restriction can be that fund is placed on the phonecard.If the recipient is a transfer of funds site request cash payment, this request can be vetoed, and offers recipient's phonecard.

Many individuals, small enterprise or or trade company etc. can have periodic or short term need will repeatedly receive the payment or the transfer of funds.Yet because such use restriction is arranged, these people or enterprise do not wish to set up and set up a gyp account with traditional funds movement service, and so do expense may be very high.System of the present invention can use fund transfer system to adapt to this demand in some restriction by allowing such individual or entity.For example, these accounts can be with the amount of money, number or the transfer etc. of time, transfer, separately or unite and be limited.Further, these accounts can be the requirements of some execution, for example minimum trading volume.

As an example, the individual has 15 projects and auctions on the internet.This individual will only can receive guaranteed fund.These projects may be those special cash clients' of attraction projects, so the method for this individual demand cash settlement.Further, this individual demand guarantees that the expense of this service is economically viable.By setting up a special relation with some restriction with fund transfer system of the present invention, be no more than 15 transaction on for example in a time cycle, the seller provide the method for a cash settlement can for potential client.Further, fund may directly be stored up in seller's account and be collected a rational expense simultaneously.

Such method can be used to the Internet auctions, solicits contributions, and relates to the situation that limited quantity is bought, for example classify etc.Further, such method can realize by internet usage, realizes by the application of a fax, a call or any technology described herein.

Referring now to Fig. 9, will be described a kind of method that is goods or service are paid by this way.In step 650, may be transfused to fund transfer system about a payee's accounts information.This fund transfer system can be described herein those, and these information can be imported by electronics, for example by internet, fax, call etc.These information can comprise payee's the preferred method of payment of name, payee, for example directly deposit payee's account, or the like.Further, shown in step 660, the payee agrees to be provided with one or more about enter the restriction of account from one or more payer's transfer funds.Then, these information use this fund transfer system to be stored.These restrictions can be the time of shifting the amount of money, forwarding number, shifting, or the like.

In case this relation is established, shown in step 670, can be a transfer of funds site from payer's goods or service that the payee provides of paying in cash there.Like this, by concentrating the cash that is used to pay, the goods fund can be guaranteed.Shown in step 680, when payment was finished, one showed that the prepaid record of cash is transferred to this payee with this fund transfer system.This notice can be sent by electronics easily, for example by a mail.Further, fund may be transferred to the account payee be used for the payment.Like this, the payee or the seller can receive the goods fund that is used for each shopping.Shown in step 690, the seller can deliver or or provide the seller's service.

A series of description only provides preferred embodiment, rather than to the restriction of scope of the present invention, application or structure.But a series of descriptions of preferred embodiment will provide enforcement the preferred embodiments of the present invention to describe to those skilled in the art with realizing.Be understandable that under the situation that does not break away from spirit and scope of the invention, the various variations of carrying out all fall in the accompanying Claim book scope in function and parts arrangement.

Claims (87)

1. a storage can be used for buying the method for the value of goods or service, it is characterized in that described method comprises:

In the fund of transfer of funds place reception from the potential buyer;

The electronical record of the described fund that receives of storage in described buyer's stored value accounts;

Accept the request that described buyer transfers at least a portion of the described fund that receives the recipient;

Described requested fund electronics is sent to this recipient, and charge to the debit of described stored value accounts.

2. the method for claim 1 is characterized in that, described transfer of funds place comprise can with the equipment of main-machine communication, wherein, receive the described fund information that receives from this equipment after, described stored value accounts is stored in this main frame.

3. method as claimed in claim 2 is characterized in that, but the request of the described transfer of funds with the main frame server in communication on be accepted.

4. the method for claim 1 is characterized in that, described fund is obtained from one group of source of funds that comprises cash, check, credit card and debit card.

5. method as claimed in claim 3 is characterized in that, described main frame is configured to and can gives the recipient with described requested fund electron transfer.

6. the method from sender's transfer fund to the recipient is characterized in that, described method comprises:

Receive sender's fund and the information that will receive the recipient of this fund;

Create this fund and expection recipient's electronical record;

Offer the various Payment Options that described recipient receives this fund, wherein, described Payment Options are selected from a prescription formula, this prescription formula comprise with cash base deliver personally to the recipient, on a draft hand-deliver give the recipient, charge to the recipient account the credit side and use a card;

Receive the Payment Request of using a kind of Payment Options of selecting by the recipient;

Come to pay described fund according to these requested Payment Options to the recipient; With

Create the electronical record of this payment.

7. method as claimed in claim 6, it is characterized in that, the described request that receives described payment is obtained by a prescription formula, and this prescription formula comprises that telephone request, the computing machine request by network, letter request, individual visit, unit requests and personal digital assistant request promised in voice.

8. method as claimed in claim 6 is characterized in that described card comprises the closed loop debit card, comprises that further information extraction is to obtain the described value related with this card from described card.

9. method as claimed in claim 8 is characterized in that described debit card comprises non-tangible debit card, further comprises based on the request from described recipient's the described fund of payment of receiving coming the described debit card of initialization.

10. method as claimed in claim 8 is characterized in that described debit card comprises stored value card, further is included in the record that stores described value on this stored value card.

11. method as claimed in claim 8 is characterized in that, described debit card comprises phonecard, further is included in the record of storage prepaid telephone time on the described phonecard.

12. method as claimed in claim 8 is characterized in that, described debit card comprises the internet cash card, further is included in the record that stores described fund on the described cash card.

13. method as claimed in claim 8 is characterized in that, further comprises by using the sale equipment on the point with the electronical record of fund and the account of described debit card to be and the initialization debit card.

14. method as claimed in claim 8 is characterized in that, further comprises using the sale equipment of point to print receipt, wherein, described receipt has the accounts information that is associated with the electronical record of described fund.

15. method as claimed in claim 14 is characterized in that, described debit card comprises described receipt.

16. method as claimed in claim 14 is characterized in that, described receipt comprises the label that is positioned on the described debit card.

17. method as claimed in claim 6 is characterized in that, further comprises reception magnetic ink character identification (MICR) number from recipient's check, wherein, uses this MICR number described fund to be charged to the credit side of this bank account.

18. method as claimed in claim 6 is characterized in that, further comprises reception from the information on recipient's the online fund account, wherein, uses information on the described online fund account fund to be charged to the credit side of described online fund account.

19. method as claimed in claim 18 is characterized in that, described online fund account can be selected from one group of account, and this group account comprises online transfer of funds account, online bank account, online investment account and online Auction Account.

20. method as claimed in claim 6 is characterized in that, further comprises the debit card of reception from the recipient, wherein, and by the credit side that the relevant bank account of described debit card is charged to described fund in the money transaction that returns of the sale equipment on the use point.

21. method as claimed in claim 6, it is characterized in that, further comprise reception from described sender's transmission key and distribute confirmation code, further being included in provides described fund to before the recipient, receives described transmission key and described confirmation code from the recipient.

22. method as claimed in claim 6 is characterized in that, thereby further comprises and add described accounts information is charged to described account to the sale equipment on the point credit side.

23, method as claimed in claim 22, it is characterized in that, described accounts information is from one group of input equipment, this group equipment comprises and is used for reading from recipient's check the lines MICR reader of MICR, be used for reading the magnetic stripe reader of magnetic stripe from recipient's card, be used for allowing manually to import the keypad of accounts information, be used for reading optical character identification (OCR) scanner or the imager of described account and being used for discerning biometric device with the recipient of the registered in advance of described account binding from recipient's statement.

24. method as claimed in claim 6 is characterized in that, further comprises offering the statement of expense that the recipient is associated with the Payment Options of each type.

25. method as claimed in claim 6 is characterized in that, further comprising to the recipient provides different times to receive the option of described fund each several part.

26. method as claimed in claim 25 is characterized in that, if the payment of described fund is carried out in recipient's request several times, creates the electronical record of each partial payment so.

27. method as claimed in claim 26 is characterized in that, further comprises deduction transaction fee when carrying out partial payment at every turn.

28. method as claimed in claim 6 is characterized in that, further comprises the information of recipient about Payment Options that sends to.

29. method as claimed in claim 28 is characterized in that, described information can be selected from the group that comprises Email, letter, phone, fax and telegram.

30. method as claimed in claim 6 is characterized in that, the option that provides selection to carry out described payment with the value of different currency or other types to the recipient further is provided.

31. method as claimed in claim 6 is characterized in that, further comprises the option that the information that receives from the sender is provided to the recipient.

32. method as claimed in claim 31 is characterized in that, further comprising to the recipient provides the option that receives described information with appointed language.

33. the method from sender's transfer fund to the recipient is characterized in that, described method comprises:

Reception is from sender's fund and the information that will receive the recipient of this fund, and described fund is stored in the stored value card;

Create this fund and this expection recipient's electronical record;

Reception is from described recipient's payment request;

By the initialization stored value card and store described value of funds and pay described fund to described stored value card and give described recipient;

Create the electronical record of this payment.

34. a method of being convenient to Value Transfer is characterized in that, described method comprises:

The sender that the receiving remote computing machine comes in host computer system requires the request of transfer value;

From described host computer system sending computer readable documents with the information of request about the transfer of described request;

In described host computer system, receive described requested information;

Based on received information, determine one or more options that are used to shift described value by this host computer system about described transfer; With

Send the computer readable file that comprises at least one option from described host computer system.

35. method as claimed in claim 34 is characterized in that, is requested information about described transfer described and comprises personal information about the recipient of described value.

36. method as claimed in claim 34 is characterized in that, is requested the value reception interface that recipient that information comprises described value can use about described transfer described.

37. method as claimed in claim 34 is characterized in that, is requested the extraction place that information comprises that described value recipient can use about described transfer value described.

38. method as claimed in claim 34 is characterized in that, the described information that is requested comprises information about evidence for payment, thus with comprise that further assessment withdraws deposit from an account related with described evidence for payment about the described information approval of evidence for payment.

39. method as claimed in claim 34, it is characterized in that, the described request of transfer value comprises the request of paying amount due, wherein, the described option that is used to shift described value comprises real-time ensuring payment, Credit Card Payments, debit payments from one group, selects in the debit payments of no password and automated transaction institute (ACH) payment.

40. method as claimed in claim 34, it is characterized in that, the described option that is used to shift described value comprises that from one group the fund of transferring to handles the place, transfers to financial booth, transfers to the cash withdrawal machine, transfer to finance account, the transfer by negotiable instrument and transfer in the stored value card and select.

41. method as claimed in claim 34 is characterized in that, comprises that further sending one from described host computer system comprises the computer readable file that all can be used for shifting the option inventory of described value.

42. method as claimed in claim 34 is characterized in that, further comprises from described host computer system sending a computer readable file that comprises the statement of expense relevant with the option that is used to shift described value.

43. method as claimed in claim 34 is characterized in that, further is included in host computer system and receives one of described option is selected and realized described transfer based on this selecteed option.

44. a system of being convenient to transfer value is characterized in that, comprising:

Host computer system with input interface, output interface and regulation engine, described regulation engine is configured to ask to shift relevant information with the sender, determine that one or more being used for get option from sender's Value Transfer based on what receive at described input interface, and from having the described output interface sending computer readable documents of determined option.

45. system as claimed in claim 44 is characterized in that, described host computer system is further configured to such an extent that be used for receiving the information relevant with evidence for payment, and sends authorized order from the account drawing relevant with described evidence for payment.

46. system as claimed in claim 44 is characterized in that, described host computer system is further configured to such an extent that be used for sending a request, requires to withdraw deposit from described account after the selection in receiving described option.

47. system as claimed in claim 44 is characterized in that, described host computer system is further configured to such an extent that be used for sending the statement of expense relevant with described option.

48. the method for a transfer value is characterized in that, this method comprises:

The one or more restrictions that receive the request require transfer value to give a plurality of recipients and how received in host computer system by described recipient about this value;

The request of described value to one or more described recipients that provide is provided in described host computer system;

Determine the mode of described transfer by described host computer system based on described restriction.

49. method as claimed in claim 48 is characterized in that, further comprises based on described restriction realizing described transfer.

50. method as claimed in claim 49 is characterized in that, realizes described transfer from described host computer system sending computer readable documents, described file provides instruction how to pay described value.

51. method as claimed in claim 48 is characterized in that, further is included in described host computer system and receives the information that how described value is offered described recipient.

52. method as claimed in claim 48 is characterized in that, described restriction comprises that a part that offers each recipient is worth.

53. method as claimed in claim 48 is characterized in that, described restriction comprises the time restriction when value can be received.

54. the described method of claim 49 is characterized in that described restriction comprises the appointment about value form.

55. the described method of claim 48 is characterized in that, described restriction comprises about when receiving described value, the necessary appointment on the scene of which recipient.

56. a Value Transfer system is characterized in that, comprising:

Host computer system with input interface, output interface and regulation engine, wherein, described input interface be configured one or more restrictions of being used for receiving the request that requires transfer value to give a plurality of recipients and can how being received by described recipient about this value, and receive the request of described value that provide to one or more recipients, wherein, described regulation engine is configured to such an extent that be used for determining based on described restriction the mode of described transfer.

57. one kind is used network payment goods or service method, it is characterized in that described method comprises:

Provide accounts information about the payee to fund transfer system;

Set at least one about the restriction of transfer and this restriction of storage in described fund transfer system from one or more payers to described account;

Receive in transfer of funds place from the paying in cash of at least one payer, wherein, described paying in cash is used to pay goods or the service that the payee provides;

Sending record by network finishes to show described paying in cash to described fund transfer system; With

Pay in cash based on described, use described fund transfer system by the described account of network transitions fund to described payee.

58. method as claimed in claim 57 is characterized in that, described restriction from by the number that allows to transfer to the account payee, transfer to account payee's time period, transfer to the group that account payee's number constitutes and select at every turn.

59. method as claimed in claim 57 is characterized in that, uses a machine that automated transaction is transferred accounts that fund is shifted.

60. method as claimed in claim 57 is characterized in that, further comprises from described fund transfer system sending payment record to described payee.

61. method as claimed in claim 60 is characterized in that, further comprise the receipt of receiving described payment record after, send detailed to the payer from the payee.

62. method as claimed in claim 58 is characterized in that, further comprises together with described payment receipt transaction fee.

63. a transfer fund to has the method in the place of different currency, it is characterized in that described method comprises:

Receive and store transfer of funds information in host computer system, described information comprises recipient's identifying information, at least one will accept the country of this fund and the payment of primitive money;

Receive request in described host computer system, require to extract the part of payment amount, this part uses the local currency payment of the country that sends described request; With

The storage of described host computer system withdraw the money volume record and described payment is exchanged into the exchange rate of described local currency.

64. as the described method of claim 63, it is characterized in that, further be included in the record of storing in the described host computer system about any expense of paying of the described volume of withdrawing the money.

65. as the described method of claim 63, it is characterized in that described reception information comprises recipient's name and identification number, wherein, described request comprises the identification number from this recipient, and comprises that further more described identification number is to ratify described withdrawing the money.

66., it is characterized in that described request comprises sender's name as the described method of claim 63, wherein, described sender is identical with the recipient.

67., it is characterized in that, further comprise from described host computer system sending needed reception information, to offer receipt of described recipient to long-range payment computing machine as the described method of claim 63.

68., it is characterized in that described reception information comprises the remaining sum of the number of paying the recipient, any expense and described amount paid as the described method of claim 67.

69., it is characterized in that further being included in the host computer system reception and storing described fund can received a plurality of country as the described method of claim 63.

70. a transfer fund is characterized in that to the method in the place with different currency described method comprises:

Typing is from sender's remote computer transfer of funds information, and wherein, described transfer of funds information comprises recipient's identifying information, at least one can receive the country of this fund and the payment of primitive money;

Send described transfer of funds information to host computer system from described remote computer; With

Provide receipt to described sender, described receipt comprises that at least some described transfer of funds information and payment information can be used for discerning potential pay point in the country that has been identified.

71., it is characterized in that described recipient information comprises recipient's name and is used for can receiving from the country that has been identified the identification number of payment as the described method of claim 70.

72, a kind of have the method that the place that is different from the currency that sends currency receives fund, it is characterized in that described method comprises:

Typing payment computing machine recipient's identifying information and the request that requires the part of extraction possibility amount paid;

Send described recipient's identifying information and described extraction and ask host computer system;

Manually the extraction of being asked is offered described recipient with local currency.

73. as the described method of claim 72, it is characterized in that, further be included in the affirmation that receives recipient's identifying information on the described payment computing machine.

74. as the described method of claim 72, it is characterized in that, further be included in the information that receives on the described payment computing machine about any remaining sum of the currency exchange exchange rate, any charge and described amount paid.

75. as the described method of claim 72, it is characterized in that, further be included in the information of the typing of described payment computing machine display reminding recipient identifying information.

76. a transfer fund is characterized in that to the method in the place with different currency described method comprises:

To be entered into remote computer from sender's transfer of funds information, wherein, described transfer of funds information comprises recipient's identifying information, at least one will receive the country of described fund and the payment of primitive money;

Send described transfer of funds information to host computer system;

Recipient's identifying information and the request of require extracting a part that may amount paid be entered into be arranged in the payment computing machine of specifying country;

Send described recipient's identifying information and described extraction and ask host computer system; With

Offer the extraction that described recipient is asked with described local currency.

77. as the described method of claim 76, it is characterized in that, further comprise and adjust the account relevant to indicate described extraction volume and any expense with described recipient.

78. a fund transfer system is characterized in that, comprising:

Host computer system is configured to such an extent that be used for receiving and storing transfer of funds information, and described information comprises recipient's identifying information, and at least one will accept the country of described fund and the payment of primitive money; With

Wherein, described host computer system further is configured to such an extent that be used for receiving a request, requirement is extracted a part of amount paid with the local currency of the country that sends request, and this requested part of deduction and any expense from described amount paid and should requested partial convertibility become local currency.

79., it is characterized in that described host computer system further disposes to such an extent that receive recipient's identifying information from the recipient as the described system of claim 78, and described recipient's identifying information that will receive and recipient's identifying information of storage compare.

80. as the described system of claim 78, it is characterized in that, described host computer system further be configured be used for sending needed remote payment computing machine reception information show this extraction to offer receipt of recipient.

81., it is characterized in that described host computer system further is configured to such an extent that be used for sending remote payment computing machine contact details to get in touch with the payment place of specifying country as the described system of claim 78.

82. a method that shifts fund is characterized in that, comprising:

Receive the information that the expectation recipient is correlated with of fund and described fund in the first financial institution place;

Shift the received fund of at least a portion to the second financial institution place;

The described fund that at least a portion is transferred is related with a card.

83., it is characterized in that further being included in the described second financial institution place provides described card to described expection recipient as the described method of claim 82.

84., it is characterized in that described card comprises stored value card as the described method of claim 82.

85., it is characterized in that described card comprises debit card as the described method of claim 82.

86. as the described method of claim 82, it is characterized in that, further comprise and use described card to extract cash from cash transaction machine.

87. as the described method of claim 82, it is characterized in that, further comprise and use described card to buy.

Images